Visa and Mastercard Network Fee Increases, Changes, and Updates (Complete Timeline)

Visa and Mastercard are two of the most popular credit card networks worldwide. 

As a merchant, it’s important for you to understand when Visa and Mastercard make fee changes at the network level. These changes will have a direct impact on your credit card processing rates. 

We put together a quick timeline that shows a history of when Visa and Mastercard added a new network fee or increased an existing fee.

Visa Network Fees Timeline

In addition to the timeline below, you can also view the latest Visa interchange rates here. 

October 1, 2021

• Visa Stop Payment Service Fee — New 
• Visa Non-Compliance Data Consistency Fee — New 

June 5, 2021

• Visa Excessive Fallback Fee — New 

April 1, 2021

• Visa AVS Fee – Debit — Increased 
• Visa AVS – Credit — Increased 
• Visa AVS – International — Increased 
• Visa Misuse of Authorization — Increased 
• Visa NAPF — Increased 
• Visa Excessive Authorization Fee & Decline Resubmit Fee (Domestic) — New 
• Visa Excessive Authorization Fee & Decline Resubmit Fee (International) — New 

October 1, 2020

• Visa B2B Virtual Payments Service Fee (Domestic) — New 
• Visa B2B Virtual Payments Service Fee (International) — New 

April 13, 2019

• Visa International Service Assessment Fee Issuer Currency Enhanced — Increased 
• Visa International Service Assessment Fee Base — Increased 

April 1, 2019

• Visa Credit Voucher International Credit — New 
• Visa Credit Voucher International Debit — New 
• Visa NAPF International Credit — New 
• Visa NAPF International Debit — New 

January 1, 2019

• Visa Credit Card Assessment Fees — Increased 

April 1, 2018

• Visa Fixed Acquirer Fee (FANF) — Increased 
• Visa Transaction Integrity Fee — Increased

January 1, 2017

• Visa Misuse of Authorization Fee — Increased 
• Visa Zero Floor Limit Fee — Increased 

April 18, 2015

• Visa Credit Card Assessment Fees — Increased

January 1, 2015

• Visa Credit Card Assessment Fees — Increased

April 13, 2012

• Visa Transaction Integrity Fee — New

April 1, 2012

• Visa Fixed Acquirer Network Fee (FANF) — New

Mastercard Network Fees Timeline

Check our guide on the latest Mastercard interchange fees for more information. 

April 1, 2022

• Mastercard Digital Enablement Fee — Increased
• Mastercard NABU Fee International — Increased

April 1, 2018

• Mastercard Assessment Fees — Increased 

December 1, 2016

• Mastercard Annual Merchant Location Fee — New
• Mastercard Annual Merchant Location Fee Payment Facilitator — New

April 18, 2015

• Mastercard International Service Assessment Fee — Increased

January 1, 2015

• Mastercard Assessment Fees — Increased
• Mastercard Digital Enablement Fee — New

October 21, 2013

• Mastercard CVC2 Transaction Fee — New

June 30, 2013

• Mastercard Network Access and Brand Usage Fee (NABU) — Increased

April 1, 2012

• Mastercard ALF/License Volume Fee — New

January 15, 2012

• Mastercard Acquirer Brand Volume Fee — Increased

January 8, 2012

• Mastercard Network Access and Brand Usage Fee (NABU) — New

November 1, 2011

• Mastercard Processing Integrity Fee — Increased

June 14, 2011

• Mastercard Processing Integrity Fee — New

For more information, read our in-depth guide on interchange fees and rates. This will help you understand where these fees are coming from, and the impact on your bottom line as a merchant.